Virtual Checking is a paperless checking account, use a debit card for all transactions, use free online bill pay service to pay bills, set up payroll direct deposit and eStatements too. We know there are still ocassions where a paper check may be needed so we allow 4 free paper check clearing per month with this account. No minimum balance required and no monthly fee. Enjoy the convenience of free download to Quicken within our online banking service as well! Make the switch to a Virtual Checking account today!

1 The dividend rate for classic checking is variable and is subject to change at any time. See dividend rates page for current rate.

2 Must be set up with free Online Banking to use Bill Pay.

3 Overdraft Protection is subject to approval. Accounts will be charged standard overdraft fee for handling each check, ACH, Point of Sale or ATM withdrawal. Refer to fee schedule for overdraft fee rate. Overdraft balances must be repaid within 30 days. We may not pay items under your overdraft protection if you do not maintain your account in good standing. If you default on you overdraft privilege your account is subject to collection or legal costs.